What to know about Facebook Messenger's payment system | finder.com
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What you need to know about Facebook Messenger’s payment system

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Facebook is everywhere. Since 2015, its payment system has been too.

Facebook has attempted to solve a problem we’ve all experienced: Splitting drinks among colleagues after work or forgetting to pay your roommate after sharing an Uber back home.

Facebook Messenger now combines transferring money with its familiar messaging system for easy payments to friends and family in your network, but only if you live in the United States, the United Kingdom or France.

How do I request and send money through Facebook?

1. Create or sign into your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.

2. Start your transfer. Create a new message and click the dollar sign at lower right. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. You can transfer money between other Facebook users only.

step one facebook money transfer

step two facebook money transfer
3. Add your debit card. Enter your debit card info and click Pay. Your money will be withdrawn and sent directly to your recipient’s debit account as soon as your bank approves the transaction.

step four facebook money transfer

What happens when someone sends or requests money from me?

1. You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.

2. Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked debit account. If you deny it, the person who requested the money will receive notification.

step five facebook money transfer request details

3. Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked debit account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.

Is Facebook’s payment system safe?

Facebook encrypts payments and user information to safeguard your money and transaction details. It also requires you to confirm your identity at times, either with personal information or PINs. Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015.

With credit card payment software, the Payment Card Security Industry Security Standards Council would typically rate the safety of credit card transactions. Facebook doesn’t have a security rating because it uses debit cards instead of credit cards.

Like other services, Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or pay people you have not met in person.

Tips to keep your finances safe on Facebook

If you decide to eventually use Facebook for managing your money, consider the following tips.

  • Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
  • Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue, without prior discussion. That person’s Messenger account could have been hacked, so make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
  • Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, it would be smart to send it using a different app or platform so that your information can’t be easily compromised by any single app or website.

Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.

Pros

  • Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
  • Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.

Cons

  • Limited to debit cards. Facebook doesn’t allow payment by credit card or integration with PayPal.
  • Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
  • Businesses can’t use it. Facebook supports personal transactions between family and friends only.
  • Only available in select countries. As of this writing, you can only send or receive payments through Facebook if you live in the United States, the United Kingdom or France.

Bottom Line

There are many money transfer apps out there that can help you send funds to a friend or family member in minutes. Facebook’s Messenger makes it easy to send using a social media website that you might already spend a lot of time on, which makes it convenient. If you plan to send a lot of money, send money overseas, or make regular payments, however, we suggest you compare more money transfer options to find the right one for you.

Compare money transfer services

I want to send

to

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USD 1,000 1 day USD 0.00 0.868 EUR 4,339 No maximum limit, no fees and competitive exchange rates for 100+ currencies. Go to site Show details
USD 1 Within an hour USD 3.99 0.868 EUR 4,335 Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.
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USD 1 3 - 5 days USD 50.00 0.876 EUR
4,334
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
GBP 5,000 1 - 2 days USD 0.00 0.867 EUR 4,334 Get live quotes on exchange rates and take advantage of no transaction fees with no limits on transfers. Go to site Show details

Compare up to 4 providers

Elizabeth Hamilton

Elizabeth Hamilton is a writer for finder.com. She's passionate about engaging her audience, creating content and, of course, finding good bargains on shoes.

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163 Responses

  1. Default Gravatar
    JimOctober 30, 2018

    Can you use a prepaid card to receive money on facebook messenger?

    • finder Customer Care
      joelmarceloOctober 31, 2018Staff

      Hi Jim,

      Thanks for leaving a question on finder.

      You can only send or receive money in Messenger using a debit card issued by a US bank. Credit cards, prepaid bank cards and PayPal aren’t supported right now.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  2. Default Gravatar
    LisaOctober 19, 2018

    What if I send the money though messenger and I don’t receive the product I paid for?

    • finder Customer Care
      joelmarceloOctober 19, 2018Staff

      Hi Lisa,

      Thanks for leaving a question on finder.

      If you do not receive the item you paid for, you can instead request for a refund:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or pay people you have not met in person or do not fully trust. Make sure you are only dealing with legit sellers with good online reputation.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  3. Default Gravatar
    RobOctober 16, 2018

    I am selling an gem to someone I haven’t met, and he wants to use Facebook to transfer funds, I have sent him several pictures and he wants the item.. but I don’t want to send him the item and have him get it and have him dispute he never received the item. Should I just have him send a money order?

    • finder Customer Care
      JoshuaOctober 21, 2018Staff

      Hi Rob,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      When doing business online, it is kind of difficult to establish trust, especially when dealing with strangers. For this reason, it would be a good idea to have some kind of a guarantee that you will send the gem as well as your customer will send you the money – something that is difficult to do with Facebook Messenger’s payment or any other online money transfer services.

      For this reason, I would advice that you would be cautious. Even asking for a money order won’t be a guarantee if the customer will agree with your condition. So, it would depend on both of you and hope you agree with something that would lead to a win-win situation.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  4. Default Gravatar
    ChrisSeptember 25, 2018

    Hi. I pause for an item I purchased on fb. I used fb pay for the first time. Normally PayPal but thought I would give it a go. After payment was made the person stopped contact. I have now been blocked by this person and cannot receive information about the product. I think I have been scammed. What do I do about getting my money back before reporting a fraud.
    Thank you. Chris UK

    • finder Customer Care
      joelmarceloSeptember 25, 2018Staff

      Hi Chris,

      Thanks for leaving a question on finder.

      Sorry to hear about this. To request a refund for something you’ve purchased from a Page on Facebook:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      I hope this gets resolved soon. Please send me a message if you need anything else.

      Cheers,
      Joel

  5. Default Gravatar
    CybSeptember 24, 2018

    How do you know you accepted the money on fb? It doesn’t give a notification

    • finder Customer Care
      AshSeptember 25, 2018Staff

      Hello Cyb,

      Thank you for contacting finder.

      Once you receive money through Facebook Messenger, there will be a message that will appear on the chat window from the Sender. The message is for you to accept or decline the money being sent. You may also require a bank statement for the linked debit card to see if the money has been credited to your account.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  6. Default Gravatar
    SharonSeptember 14, 2018

    I tried to send money to a friend, but she didn’t want to put her details in to FB so she ignored it, however the money seems to have been taken from my account anyway. Why is this and how can I get the money back?

    • finder Customer Care
      CharisseSeptember 14, 2018Staff

      Hi Sharon,

      Thanks for reaching out to finder.

      As soon as you have transferred the payment on Facebook messenger, the money will be taken from your account immediately and once you have sent the money to the recipient, you can no longer cancel it.

      However, since your friend declined it, the money will be returned to your account after 7 days from the date you have sent it. Please note that it may take 3-5 business days for your bank to make the funds available in your account.

      If you’re still not able to receive the money back within the expected timeframe, contact Facebook Help Center for further assistance.

      Hope this helps.

      Cheers,
      Chariss

  7. Default Gravatar
    TeebyrdSeptember 1, 2018

    Is there a limit on how much you can transfer thru messenger pay?

    • finder Customer Care
      JhezelynSeptember 5, 2018Staff

      Hello Teebyrd,

      Thank you for your comment.

      According to the Facebook Messenger team, they allow anyone using Payments in Messenger to send and receive up to $9,999 within a rolling 30 day period. They do this to help protect you from unauthorized payments activity and to comply with various federal and state laws.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  8. Default Gravatar
    JannaAugust 31, 2018

    I bought tickets through messenger. How do I get them?

    • finder Customer Care
      joelmarceloSeptember 1, 2018Staff

      Hi Janna,

      Thanks for leaving a question on finder.

      Since you have already bought an item and paid for it using Facebook Messenger, you can contact the seller to arrange how you will get your tickets. Just in case the seller does not send the items you paid for, you can report the seller to Facebook so they can investigate. You can also ask for a refund by doing these steps.

      To request a refund for something you’ve purchased from a Page on Facebook:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      Cheers,
      Joel

  9. Default Gravatar
    DennisAugust 27, 2018

    I have not received the item that i paid for through Messanger. How do I submit a dispute?

    • finder Customer Care
      joelmarceloAugust 28, 2018Staff

      Hi Dennis,

      Thanks for leaving a question on finder.

      Sorry to hear about this. To request a refund for something you’ve purchased from a Page on Facebook:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      I hope this gets resolved ASAP.

      Cheers,
      Joel

  10. Default Gravatar
    JohnHAugust 17, 2018

    I am renting a house to a friend who wants to use facebook to make his rent payment. Is there an audit trail or some sort of transaction log that can be requested should there ever be a dispute over what payments where made?

    • finder Customer Care
      joelmarceloAugust 17, 2018Staff

      Hi John,

      Thanks for leaving a question on finder.

      You can view a history of your Messenger payments. To do this, please follow these steps.

      1. Click ▼ in the top right of Facebook and select Settings.
      2. Click Payments in the left menu.
      3. Below Payment History, click the payment amount next to the person you sent money to or received money from.

      Cheers,
      Joel

US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

World First Foreign Exchange

No maximum limit, no fees and competitive exchange rates for 100+ currencies.

TransferWise International Money Transfers

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

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